PPI FAQs discussion thread

dunstonh

But from what I can see on the letter they are already accepting they mis sold it me... Am I right in thinking this?

No you are not right in thinking that.

The letter, known as a CCL, allows the 3 year time bar clock to start clicking. Banks are sending out CCLs to anyone who has had certain types of PPI to invite them to complain IF they feel they have reasons to complain. It doesnt mean you have been mis-sold.

[Deleted User]

jennyjenjenny wrote: »

from what I can see on the letter they are already accepting they mis sold it me... Am I right in thinking this?

They are admitting no liability at all, they are inviting you to complain and if you have valid mis-selling reasons your complaint will be upheld.
These letters are common now and are being sent out to start the clock ticking on a time bar on future complaints.
If you are unsure what to write on the form, then the best advice I can give you is to be truthful-if you don't know or can't remember then put that.
Here's the MSE advice article which might provide some inspiration, read the downloadable template letters.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step3

Good luck!

parkyparky_2

I had a PPI on a loan that I took out with Natwest back in 2004, I have a medical condition (MS) that was diagnosed in 2002. When I became too ill to work I tried to claim on my PPI to pay off the loan, but they said because it was a pre diagnosed condition they would not pay off my loan. Because of this I am still repaying the loan now.
My question is I have applied to Natwest to reclaim my PPI, they have offered me a goodwill payment of £275, but shouldn't I be able to claim some sort of compensation on top of what I have actually paid out, to cover the fact they sold me the policy that didn't help me when I needed it?
Thanks for your advice

dunstonh

parkyparky wrote: »

I had a PPI on a loan that I took out with Natwest back in 2004, I have a medical condition (MS) that was diagnosed in 2002. When I became too ill to work I tried to claim on my PPI to pay off the loan, but they said because it was a pre diagnosed condition they would not pay off my loan. Because of this I am still repaying the loan now.
My question is I have applied to Natwest to reclaim my PPI, they have offered me a goodwill payment of £275, but shouldn't I be able to claim some sort of compensation on top of what I have actually paid out, to cover the fact they sold me the policy that didn't help me when I needed it?
Thanks for your advice

If they are upholding your complaint then they should be the premium back plus interest. No more, no less.

tracey24601

hi i'm wondering if anyone can help me by telling me where i stand when putting in a claim for missold ppi on my joint mortgage, my partner and i divorced and since then he has sadly passed away, i'm not intouch with any of his family so unable to ask them to help me.

-taff

You may be able to complain about your half, but not his. You may need a signature form whoever was in charge of his probate to complain, you may not. Phone and ask the company involved.

thesheenster

Hope someone can advise me here.
The Ombudsman has upheld our claim against Aviva. We received a letter on 17th May advising us of this. He advised both ourselves and Aviva to contact him before 18th June with any further evidence/queries and this would be when he made his final decision. The office have now advised us that Aviva have not responded to this deadline and we are STILL waiting for a final decision. Has anyone any idea how long this is going to take now. We thought this would all have been settled by now. We first raised the claim in Jan 2011 so we are now 2years and 6 months on. Any advice would be appreciated:)

-taff

You just wait.

Exiled_Wanderer

Hi All,

I have sent off a number of old lenders using the template letter on here to ask for information about my loans etc. Recently I have received a couple of replies where the lender has asked for £10 to supply this information!

My questions are: Is this request for £10 legal? Does this mean I may have a case for miss-sold PPI and the lender is trying to discourage me from perusing it by asking for the money up front before sending the information through? Is this worth continuing with if the answer to the second question is no?

Best regards,
Exile Wanderer

-taff

It's a standard fee when you request your information.
It doesn't mean anything, and you won't know unless you get your information back whether you paid it or not